So, the payroll loan + breath is a type of loan that works with a property guarantee. In this, he seeks to offer safety, comfort and practicality, as the whole process is done online! Ah, he's ideal for negatives!

So read on to find out what this loan has to offer! Check out!

Well, the payroll loan + Breath works as a type of credit with a property guarantee. That is, to apply for the loan you need to have a property paid off in your name.

This is because it will serve as a guarantee for the payment of the loan, as well as having a minimum value of R$250,000.00.

And in addition, you can get a loan of up to 50% of the appraised value of the property, which can vary between R$30,000.00 and R$500,000.00, with a period of up to 180 months to repay the loan and a grace period of 90 days to start payment.

On the other hand, the interest rate is around 1.65% + IPCA per month and the amortization system used will be the SAC Table or PRICE. And best of all, it accepts negatives!

So, as mentioned above, the loan limit is R$500,000.00, with a repayment period of up to 180 months. On the other hand, the property paid off must be at least R$250,000.00.

So let's know the advantages and disadvantages of this loan! Check out!

So, the loan has several advantages, the first being the fact that it is a completely online process, which brings more convenience and security to customers.

And in addition, it has the lowest interest rates on the market, around 1.65% + IPCA per month, as well as the loan is up to 50% of the appraised value of the property.

Another advantage is that the period to start paying is 90 days, and you will have 180 months to pay all the installments, even with the amortization system by the SAC Table or PRICE! And the best of all? Accept negatives! So, if you have a dirty name, it might be a perfect option to solve your problems!

So, among the disadvantages of this type of credit is the minimum value of the property, because, to apply, you need to have a property with a minimum value of R$250 thousand in your name, which is not usually common!

And in addition, your property will act as a guarantee that you will repay the loan. That is, if you don't pay, you risk losing your property!

Therefore, before applying, be sure you will be able to pay the loan within the recommended period, so as not to lose your property!

So, to make the loan is very simple! Just access the official website of + Fôlego and do the simulation. After that, you need to send the proposal for the credit analysis to take place and in case of approval, just wait for the property to be evaluated!

That's because, in case of approval, you sign the contract digitally and the money is released into your checking account! So it's all pretty safe and intuitive!